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So I had it happen again today. Sold someone Foresters, we were replacing a graded policy with level coverage. Chewed tobacco but didn't use any other tobacco. He had some health issues so Foresters was still the best fit. At the beginning of the apptical interview, he says "No" to the tobacco question after a lengthy explanation of how he quit smoking 15 yrs ago. I interrupted and had him change his answer due to the fact he was chewing tobacco.
What do you guys do on these? I know I did the right thing but was curious if this had happened to anyone else. I can't let that happen if I'm aware of it, too risky and as we all know the agent is the first one to get the hammer dropped on them. In TN we have the contestable rule (2 yrs) even if replacing, so I didn't want to subject him to a contested claim.
What do you guys do on these? I know I did the right thing but was curious if this had happened to anyone else. I can't let that happen if I'm aware of it, too risky and as we all know the agent is the first one to get the hammer dropped on them. In TN we have the contestable rule (2 yrs) even if replacing, so I didn't want to subject him to a contested claim.